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Stop Wrestling With Money Every Month
Annual budgeting isn't about spreadsheets that collect digital dust. It's about knowing where your money's actually going and sleeping better at night.
View Our Autumn 2025 ProgrammeHere's What Nobody Tells You About Annual Budgets
Most people think budgeting means tracking every coffee purchase. That's exhausting, and it doesn't work.
What actually works? Looking at the big picture once a year. Figuring out what matters to you. Then letting the small stuff sort itself out.
We've spent years helping regular people—not accountants, not finance experts—get comfortable with their annual finances. The ones who stick with it? They stop panicking in December when the boiler breaks.
01
Review Last Year
Look at what actually happened with your money in 2024. Not what you planned—what really went down. This takes about two hours if you're organized, maybe four if you're not.
02
Set Real Priorities
Forget Instagram-perfect budget categories. What do you actually need? What makes your life better? Those holiday savings you never touch? Maybe skip them this year.
03
Build Breathing Room
Life happens. Cars break. Kids need unexpected school trips. Your budget needs slack in it, or you'll abandon it by March. We help you figure out how much slack makes sense.
People Who've Actually Done This
Caspian Thorne
Freelance Designer
I used to panic every tax season. Now I just... don't. The annual planning made irregular income feel manageable instead of terrifying.
Marlowe Finch
Primary School Teacher
The approach here is refreshingly honest. No miracle promises. Just practical ways to handle money that actually fit into real life with two kids and a mortgage.
How We Actually Teach This
Start With Your Numbers
You'll bring your bank statements, we'll help you make sense of them. No judgment. Some people discover they're spending £400 a year on subscriptions they forgot about. That's useful information.
Build Your Framework
We'll work through creating a budget that matches how you actually live. Not some ideal version of yourself who meal-preps every Sunday. The real you, who sometimes orders takeaway on Wednesdays.